A credit union's earnings performance affects its long-term survivability. A credit union can retain its earnings, giving a boost to its capital buffer, or use them to address problematic loans, likely making the credit union more resilient in tough times. Obviously, credit unions that are losing money are less able to do those things.
ST. JAMES A M E CHURCH scored 0 out of a possible 30 on Bankrate's test of earnings, failing to reach the national average of 10.31.
ST. JAMES A M E CHURCH had an earnings ratio of -3.00 percent in our test, worse than the average for all credit unions, suggesting that it's underperforming its peers in this area.